The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
You maybe able to exchange it for another term policy or convert it to a cash value life insurance policy, renew the policy every 1 to 5 years, or cancel the policy. Majority of term policies expires at age 95, not at the end of the initial term.